What we offer

What is Office Combined Insurance?

An Office Combined Insurance policy provides a packaged office contents, liability business interruption solution for office-based businesses. With an Office Combined policy there are numerous types of coverage available including Office Contents, Employers' Liability, Public Liability and Business Interruption elements. Additional extensions which can be added include property away from the premises, money, corporate travel & personal accident.

Employers’ Liability Insurance is mandatory for employers and enables a company to meet the cost of compensation for their employees’ injuries, illness or death caused on or off site.

Public Liability Insurance covers your company for claims made against it by members of the public or other businesses. This could be for slips and trips whilst visitors are on your premises

Do I need to buy Office Combined Insurance?

Purchasing an Office Combined policy is a very efficient and convenient method of protecting your business against a multitude of risks whilst at the same time meeting your legal obligations.

The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that a company must have at least £5 million of insurance cover (although most insurers offer £10 million as standard) to enable a company to meet the cost of compensation for their employees’ injuries, illness or death caused on or off site.

Whilst it is not a legal requirement to purchase Public Liability Insurance, it is considered good business practice to have coverage in place as defending claims can be costly and time-consuming.

 

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Scheme Features

  • Efficient and convenient packaging of essential business covers.
  • Policy options can be selected to suit the needs of your business.
  • Contents cover on an ‘all-risks’ basis, with few exclusions.
  • Premium payable on a monthly interest-free Direct Debit.
  • £10m Employers' Liability coverage option
  • £2m and £5m Public Liability coverage options available, which can be further extended if required.

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